Cashier - Multiple Locations

Position Overview

The Cashier will be stationed at branch locations and is accountable for managing all cash-related transactions and daily operations in line with banking regulations and internal policies. The role involves maintaining accurate records, ensuring end-of-day reconciliations, and safeguarding branch cash assets.

Primary Responsibilities

• Efficiently and accurately process cash transactions and maintain account details to support branch operations.
• Oversee branch cash handling functions, including receiving and processing cheques, drafts, pay orders, and other negotiable instruments within authorized limits.
• Handle cash disbursements and collections against withdrawal and deposit requests, logging transactions appropriately in the system.
• Collect EMI repayments and update required entries accordingly.
• Maintain various registers such as inward/outward, petty cash, and assets registers and send requisitions to the Regional Head Office.
• Conduct daily cash tallying against transaction vouchers and prepare the end-of-day branch report.
• Jointly manage cash custody and branch vault operations with the operations officer.
• Engage with customers courteously during transactions, providing product and service information while identifying cross-selling opportunities.

Service Excellence

• Offer superior customer service by responding efficiently and respectfully to customer needs.
• Promptly escalate customer complaints and queries to the relevant authorities.
• Inform customers about repayment dates and contact details clearly, providing necessary clarifications.
• Educate customers on utilizing alternative channels for deposits, withdrawals, and inquiries.

Operational Duties

• Count and verify cash at start and end of day before vaulting.
• Securely hold branch cash, keys, and valuables jointly with the Assistant Branch Manager to ensure smooth cash department operations.
• Adhere to defined turnaround times for all transactions.
• Ensure compliance with banking regulations and internal policies for cashier operations and cash management.
• Verify accounting and transaction authenticity, including loan repayments and customer identification during withdrawals.
• Confirm accuracy of cash deposit slips per auditing requirements and update bank passbooks for transactions.
• Prepare cash bundles for currency chest deposits with appropriate documentation.

Learning & Development

• Stay updated on the bank's products, services, regulations, and know-your-customer (KYC) norms.
• Complete certification and mandatory training programs organized by the operations department within prescribed timelines.
• Participate actively in goal setting, performance reviews, and appraisals as scheduled.

Candidate Requirements

• Education: Graduation in any discipline, preferably in Finance or Commerce.
• Experience: At least 1-2 years handling high-volume cash transactions.
• Experience working with financial modules or ERP systems is essential.
• Proven ability in consolidating accounting data accurately.
• Cash handling aptitude including the ability to identify counterfeit currency.
• Computing proficiency and facility with relevant software; training will be provided.
• Strong numerical skills and capability to multitask effectively.
• Excellent interpersonal, communication, and customer service skills.
• High attention to detail, customer focus, execution capability, and relationship management.

Key Interactions

• Internal: Regional operations team, Regional FCU officer, Service Quality executive.
• External: Neighboring banks, cash management agencies, and BC agents.